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  Classic Gardens December 1, 2009 at 4:43pm

  Yes I have not sure of the actual details but basicly if iam off work for more than 3 months with any injury or disease I will be paid a set amount per year for as long as the problem persists.
• PRO

  Paul @ Ashgate Garden Care December 1, 2009 at 4:52pm

  Hi Rich,
  
  I hope your knee sorts itself out
  
  I use Allianz and have it tied in with my PL insurance etc.
  
  I've just changed my business structure over to a partnership with my wife now doing my back office jobs as well as looking after our young daughter.
  
  I was offered the choice of accident at work or 24 hour cover. I have 24 hour cover and have added my wife to the policy with the same level of cover. We get £200 per week if either of us cannot work. We thought it was prudent to ad my wife because if she is seriously ill, I will not be able to work because we will have no provision for child care.
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  Nick Hill December 1, 2009 at 5:46pm

  i got a good policy from sovereign insurance. You can modify the policy to your own needs. The thing that sold it to me was you get your all money you have paid towards it back if you have not made a claim after 12 years. A good safety net to have.
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  Nick Hill December 1, 2009 at 8:01pm

  Found the link to the policy I mentioned, looks like it has changed slightly since I signed up for it.
  
  
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  Richard@www.seasons-garden.co.uk December 2, 2009 at 11:38am

  Cheers Paul, I'll look into this.
  
  Paul Gregory said:

  Hi Rich,
  
  I hope your knee sorts itself out
  
  I use Allianz and have it tied in with my PL insurance etc.
  
  I've just changed my business structure over to a partnership with my wife now doing my back office jobs as well as looking after our young daughter.
  
  I was offered the choice of accident at work or 24 hour cover. I have 24 hour cover and have added my wife to the policy with the same level of cover. We get £200 per week if either of us cannot work. We thought it was prudent to ad my wife because if she is seriously ill, I will not be able to work because we will have no provision for child care.
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  Richard@www.seasons-garden.co.uk December 2, 2009 at 11:39am

  Thanks Nick, I'll have a look at this
  
  Nick Hill said:

  i got a good policy from sovereign insurance. You can modify the policy to your own needs. The thing that sold it to me was you get your all money you have paid towards it back if you have not made a claim after 12 years. A good safety net to have.
• PRO

  Nick @ NM Garden Services Ltd December 2, 2009 at 7:38pm

  I self insure by saving money. The insurance policies seem to pay out very little after a very long time (usually 3 months) with massive premiums.
  
  I took the view that I should employ people who would help the business to tick over and run if I was ever injured.
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  Nick Hill December 2, 2009 at 9:26pm

  I can understand self insuring by saving, but what if you cant work again. You get some compensation for major injuries that would take a long time to save for.for.
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  Kieran Ray December 2, 2009 at 9:42pm

  If you had a large round or a company that emplys yourself and another surely if you were to be perminatly out of work steps could be made so the company still run and you claimed the profit.
  
  I do not have this sort of cover but as soon as moneys alow I will set up an account, ISA or such as save myselfeven at £10 a week thats £520 a year.
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  Lawncare-4u.co.uk December 4, 2009 at 1:08am

  just looking at 'income protection insurance' £21.92 with sovereign per/month - pays out after 3 days with say; a chest infection £200 p/week if you have accounts/tax receipt.
  
  just started to save 25.00 per month into direct savings = £300 p/a +4.2%
  if i need 1-2 weeks off sickness/bad back.